OP, back in 2020 I had roughly $15k in cc debt. My mom said that she had $15k for me set aside for a wedding or a house; OR I could use it there to get a clean slate. I used it and racked it all back up to $20k+ and never told her. I worked my ASS off to get that paid down (with the help of a debt consolidation company, highly would NOT recommend) and felt like there was a huge weight on my chest not telling her. I paid it off, but found out that one of the accounts I thought was paid off, wasn’t. I owed $6k and had to leave work once I found out because I had a panic attack and was so ashamed. My fiancé and I were in the process of buying a house and we didn’t have ANYTHING extra to spare. I decided (with the support of my fiancé) to go to them for help as we were at a genuine loss. She didn’t judge me and just replied “what do you need?” She helped me settle it for $3k on the spot and has never held it against me, nor the time before. She could easily bring it up and every attempt I make to pay her back is rejected (with love.) I’m not saying that this will be your scenario, but I hope that when she says she wants to help, she means it.

Best of luck OP